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2. When is my first mortgage payment due? - AOL

   www.aol.com/finance/first-mortgage-payment-due...

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3. Mortgage lender vs. servicer: What’s the difference? - AOL

   www.aol.com/finance/mortgage-lender-vs-servicer...

   The effective date is when the first mortgage payment is due at the new servicer’s address. The new servicer must send their letter within 15 days following the effective date of the transfer.

4. Closing on a house: What to expect - AOL

   www.aol.com/finance/guide-closing-house-expect...

   These expenses typically include closing costs associated with your loan, your down payment and any prepaid interest or property taxes that are due, all of which should be detailed in your Closing ...

5. ‘Cash to close’: What it means and how it works - AOL

   www.aol.com/finance/cash-close-means-works...

   Per diem mortgage interest: Per diem interest is the amount of interest you owe between the day you close and the day you begin making payments on your mortgage, typically on the first of the ...

6. Closing costs - Wikipedia

   en.wikipedia.org/wiki/Closing_costs

   The monthly mortgage payment is calculated and payable on a specified day each month. If the closing does not actually fall on that specified date (which is usually the case), then an adjustment must be made to calculate the interest on the loan for the number of extra days until the first payment is due.

7. What is a closing disclosure? - AOL

   www.aol.com/finance/closing-disclosure-190005117...

   A closing disclosure is a legally-required, five-page statement of your final mortgage loan terms and closing costs. It contains details about your loan term, monthly payments, fees and other ...

8. Closing documents: A guide for homebuyers - AOL

   www.aol.com/finance/closing-documents-guide...

   For the closing, you’ll receive an initial escrow statement describing how much your lender or servicer will pay out of this account when these items come due during the first year of your mortgage.

9. Who pays closing costs, the buyer or the seller? - AOL

   www.aol.com/finance/pays-closing-costs-buyer...

   Homeowners insurance: Buyers will likely be required to take out a home insurance policy as well, with the first premium payment (or sometimes more) due at closing. If several months of payments ...